Stanford Federal Credit Union


Overview / Commentary
888-723-7328
1860 Embarcadero Rd
Palo Alto, CA 94303-3335

Stanford Federal Credit Union is headquartered in Palo Alto and is the 18th largest credit union in the state of California. It is also the 92nd largest credit union in the nation. It was established in 1959 and as of June of 2020, it had grown to 209 employees and 74,228 members at 6 locations. Stanford Federal Credit Union has an A health rating.

Field of Membership Restrictions

Membership in Stanford Federal Credit Union is open to anyone through membership in the Friends of Palo Alto Library or the Museum of American Heritage (membership paid through the credit union). Membership is also open to the following: (1) faculty, students and alumni of Stanford University; (2) employees of Sun Microsystems, City of Palo Alto, Facebook and over 200 area Select Employer Groups.
See current membership details

Reviews (3)

Excellent local credit union for Stanford-affiliated individuals

Posted by: |

Stanford Federal Credit Union (SFCU) has generally exceeded my expectations. I have a checking account there and they do not charge a fee for such accounts, nor do they have monetary minimums below which they will charge a fee. Additionally, they have excellent customer service. In the past when I have had my debit card number compromised, they were very helpful both in accurately spotting the fraud and in giving me a new card very quickly. Additionally, use of ATMs with my credit union debit card is fairly easy, since any major credit union ATM works. I have also deposited money in their CDs before and they usually offer above-market rate interest returns and are very easy to sign up for and to know when the CD time period has expired.

Stay Away From The Elitist Credit Union

Posted by: |

Really bad and extremely RUDE customer service and pretty elitist and discriminatory, lying credit union. I do not think I have ever experienced such an arrogant and very rude customer service (essentially with agents laughing at you). When they will need funds to survive the very steep financial crisis is coming they will regret turning away potential investors. It seems they only cater to rich people and Stanford. They will look into to your credit record as they are looking only for very rich people. This credit union is a disgrace. So better stay away because they may not stay afloat for too long.

Poor Customer Service, Harsh Early Withdrawal Penalty

Posted by: |

You'd think a credit union located on campus at Stanford would be great.  But no.  Calls go into voicemail, email contacts are generic addresses and you can never seem to get the same person twice.  Staff is frumpy and don't seem to care.   If their app fails, they just shrug it off - try it tomorrow.   Early withdrawal penalty for CDs over $100K is 365 days interest - worst I've seen.  A good CD jumbo rate of 2.1% if your paycheck is deposited there (as of summer 2012).    Campus office is rather busy, so Stanford students and staff are using this credit union, but I don't know why.



Health

Health Grade Components

Overall
NCUA #13392
Year Chartered1959
Employees209
Primary Regulator
Profit Margin
Return on Assets - YTD0.79%
Return on Equity - YTD8.21%
Annual Interest Income$48.0MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$3.30B$2.76B
LoansQ2 2020vs Q2 2019$2.08B$1.89B
DepositsQ2 2020vs Q2 2019$2.59B$2.15B
Equity CapitalQ2 2020vs Q2 2019$307.0MM$271.1MM
Loan Loss AllowanceQ2 2020vs Q2 2019$16.0MM$13.5MM
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$684.00K$811.00K
Real Estate OwnedQ2 2020vs Q2 2019$0$0
Rates
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Stanford Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.85%--Companion Account - New Money
0.35%--Premier Health Savings Account
0.20%--Kid's Stanford Savers Account
0.20%--IRA Share
0.20%--Health Savings Account
0.20%--Coverdell Education Savings Account
0.10%--Share Savings Account
0.10%--Business Share Savings Account

Stanford Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%$2.5k$2.5mMarket Savings Account - Ambassador Relationship
0.15%$2.5k$2.5mMarket Savings Account
0.15%$2.5k-Business Money Management Account

Stanford Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%--Premier Checking - Ambassador Relationship
0.10%--Premier Checking

Stanford Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.90%$1k-60 Month Premium CD - Partner Relationship
0.90%$1k-60 Month Premium CD - Ambassador Relationship
0.85%$1k-48 Month Premium CD - Partner Relationship
0.85%$1k-48 Month Premium CD - Ambassador Relationship
0.80%$1k-36 Month Premium CD - Partner Relationship
0.80%$1k-36 Month Premium CD - Ambassador Relationship
0.75%$1k-24 Month Premium CD - Partner Relationship
0.75%$1k-24 Month Premium CD - Ambassador Relationship
0.70%$1k-12 Month Premium CD - Partner Relationship
0.70%$1k-18 Month Premium CD - Partner Relationship
0.70%$1k-12 Month Premium CD - Ambassador Relationship
0.70%$1k-18 Month Premium CD - Ambassador Relationship
0.65%$1k-60 Month CD
0.65%$1k-Business 60 Month CD
0.60%$1k-48 Month CD
0.60%$1k-Business 48 Month CD
0.60%$1k-7 Month Premium CD - Ambassador Relationship
0.60%$1k-7 Month Premium CD - Partner Relationship
0.55%$1k-36 Month CD
0.55%$1k-Business 36 Month CD
0.50%$1k-24 Month CD
0.50%$1k-Business 24 Month CD
0.45%$1k-12 Month CD
0.45%$1k-18 Month CD
0.45%$1k-Business 12 Month CD
0.45%$1k-Business 18 Month CD
0.35%$1k-7 Month No Penalty CD
0.35%$1k-Business 7 Month No Penalty CD

Stanford Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.90%$1k-60 Month Premium IRA - Partner Relationship
0.90%$1k-60 Month Premium IRA - Ambassador Relationship
0.85%$1k-48 Month Premium IRA - Partner Relationship
0.85%$1k-48 Month Premium IRA - Ambassador Relationship
0.80%$1k-36 Month Premium IRA - Partner Relationship
0.80%$1k-36 Month Premium IRA - Ambassador Relationship
0.75%$1k-24 Month Premium IRA - Partner Relationship
0.75%$1k-24 Month Premium IRA - Ambassador Relationship
0.70%$1k-12 Month Premium IRA - Partner Relationship
0.70%$1k-18 Month Premium IRA - Partner Relationship
0.70%$1k-12 Month Premium IRA - Ambassador Relationship
0.70%$1k-18 Month Premium IRA - Ambassador Relationship
0.65%$1k-60 Month IRA
0.60%$1k-48 Month IRA
0.55%$1k-36 Month IRA
0.50%$1k-24 Month IRA
0.45%$1k-12 Month IRA
0.45%$1k-18 Month IRA
Locations


Stanford Federal Credit Union Locations
Branch Office1860 Embarcadero RdPalo Alto, CA 94303-3335
Branch Office525 University AvePalo Alto, CA 94301
Branch Office300 Pasteur DrStanford, CA 94305
Branch Office694 Pampas LnStanford, CA 94305
Branch Office459 Lagunita DrStanford, CA 94305
Branch Office905 Barron AvenueRedwood City, CA 94063

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